Modoc County, California home prices
Typical home $192,295 · +3.4% in a year · property tax 0.69%
The typical home in Modoc County is worth $192,295, 75% less than the California typical home ($761,538). Values changed +3.4% in the past year and +20.5% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($1,336 on the typical home), versus 0.72% statewide.
Mortgage on the typical Modoc County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,459 | $153,836 | $1,035 | $0 | $207 | $1,242 | $53,200 |
| 10% down | $19,230 | $173,066 | $1,164 | $72 | $207 | $1,444 | $61,900 |
| 5% down | $9,615 | $182,680 | $1,229 | $76 | $207 | $1,512 | $64,800 |
| 3.5% down (FHA) | $6,730 | $188,812 | $1,270 | $85 | $207 | $1,563 | $67,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lassen County | $230,824 | +1.5% | 0.72% |
| Trinity County | $235,389 | -2.5% | 0.58% |
| Siskiyou County | $281,544 | -1.4% | 0.64% |
| Lake County | $301,548 | -1.1% | 0.73% |
| Tehama County | $315,084 | +3.1% | 0.62% |
| Sierra County | $323,410 | -0.3% | 0.69% |
| Kern County | $360,205 | +0.0% | 0.88% |
| Glenn County | $360,411 | +3.0% | 0.64% |
| Tulare County | $360,861 | +1.9% | 0.7% |
| Del Norte County | $361,100 | -1.1% | 0.61% |
Frequently asked questions
What is the average home price in Modoc County, CA?
The typical home value in Modoc County is $192,295 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Modoc County?
About $53,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Modoc County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).